Canada Veterans Affairs 1961 Bill C67 Amend Pension Act
Pension Bréard Lac Gélinas MONT TREMBLANT Quebec Canada
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Executive Pension Plans: Tax Free?
Executive Pension Plans: Tax Free?
Why bother risking the wealth you have worked for all your life? Plan wisely, and consider an executive pension plan! There are much better ways for you to save than through a Registered Retirement Savings Plan (RRSP). Save thousands of your corporate taxes this year!
What Can You Do with an Executive Pension Plan?
While there are numerous benefits to having executive pension plans (EPPs), but the most obvious benefit is executive pension plans can dramatically increase your retirement savings, even when compared to an RRSP. Unlike an RRSP where the maximum allowable contribution is limited to the earnings of the individual, an EPP does not have the same limitations. This is especially beneficial to higher income earners where investments will determine how much will be tax-deferred. Contributions made to the pension plan are tax-deductible in Canada, by not only the employee, but deductable by the employer as well!
Are Executive Pension Plans Difficult to Setup?
Before setting up executive pensions, it is commonly recommended that you first consult a certified financial planner, at a brokerage like Ten Star. Consulting with a professional with years experience is advice you can appreciate. Your Ten Star Financial adviser knows that contributions made to the fund allow the participants to make additional contributions as well.
Finding a Financial Planner for Business
When discussing financial options with your adviser, prepare a short list of questions before the meeting. Finding a knowledgeable adviser with experience dealing with the type of financial planning you need, can help you in the long run, so remember to take your time when finding the most appropriate adviser for your needs.
Wesley is a search marketing specialist working together with Ten Star Financial Services, a Canadian insurance broker with specialists dealing with group health benefits at branches nationwide.
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Categories: Canada Pension Tags: Executive, Free, Pension, Plans
Canada and Quebec Pension Plan and Employment Insurance
Pension Bréard Lac Gélinas MONT TREMBLANT Quebec Canada
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Canada and Quebec Pension Plan and Employment Insurance Acts 2009: Quick Referen
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Canada and Quebec Pension Plan and Employment Insurance Acts: Quick
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Categories: Canada Pension Tags: CANADA, Employment, Insurance, Pension, Plan, Quebec
The Five Most Influential Figures of Canada
The Five Most Influential Figures of Canada
If Canada were to be defined by the deeds of only five people, it would have to include a humanitarian politician, a dedicated peacekeeper, charismatic nationalist, enthusiastic scientist and possibly the best sportsman of all time. These five Canadian figures briefly explain Canada’s story throughout the 20th century and offer a broad view of how Canada has become what it is now. I chose the five people because I believed they best represented the advancements made by Canada in those fields during the 20th century.
The humanitarian advancements would have be undoubtedly the result of the work of Tommy Douglas, who I chose as the most influential Canadian of the 20th Century and Canada’s peacekeeping identity should be credited to the father of UN’s peacekeepers, Lester B. Pearson. Also, the bilingualism in Canada would not exist without the work of Pierre Trudeau, the science and eco-friendliness of Canadians is the effect of the effort of David Suzuki, and last, but not least, the identity of Canada as a nation in the world of sports can be defined through the accomplishments of Wayne Gretzky.
Tommy Douglas was born to a poor family and when he was young, he suffered a severe bone infection. This was treatable, but without the sufficient funds of the family, Tommy was not able to get it fixed and as a result, he was scheduled for a leg amputation. Even with such a dreadful fate on his hands, Tommy went to search for a better solution and by the slightest of chances; he met a doctor who was willing to do the surgery for free as long as his students could observe.
The story ended with Tommy keeping his leg and this was the story that inspired Tommy Douglas to take action. His dream was to allow every person to be able to receive health care, no matter the financial status and with this goal; he became the premier of Saskatchewan and offered the citizens of Saskatchewan Universal Healthcare. Even on top of that, he greatly contributed to the central banking, unemployment insurance, and old age pensions. I have included Tommy Douglas on this list because of the fact that one man, who did not become prime minister, added these components to this country was extraordinary. Not only that, the services that Tommy Douglas publicized are vital services that are much more efficient and cheaper when they are government controlled.
A central bank to control inflation and standardize interest rates, unemployment insurance to lower homelessness rates and poverty levels, old age pensions to insure good senior treatments and increase net income for those with senior parents to support, and finally universal health care to offer everyone equal healthcare and adding a bit of humanity to the otherwise lifeless government. With these changes, Canada has become a better nation that boasts excellent living conditions and proved by the Human Development Index. Universal health care is obviously better for the citizens than private health care and it was the courage and initiative taken by Tommy Douglas that made the change possible. Before Tommy Douglas came around, there weren’t many significant differences between America and Canada and with those socialistic, yet beneficial touches to the government, Tommy Douglas changed the face of Canada for the better.
During the First World War, all the soldiers of both sides wanted a better solution than all the fighting and killing, an alternative that did not involve as much violence and pointless combat. However, they did not know that the Canadian medic, Lester B. Pearson, would later in his life convince the world and achieve such a goal. With a strong educational background, Lester B. Pearson could have done pretty much anything he wanted, but his dedication for change forced him to turn down many appealing jobs and take up politics.
When he finally became Prime Minister, he had a job to do: to spare his people from the dreadfulness of war and racism. With that mind set, he did not send Canadian troops to Vietnam and rid of the racist immigration laws (Canada Immigration) especially against the Chinese and Jews. With his immigration policies, Pearson created the multicultural Canada that we live in today and opened Canada to many opportunities and prosperities due to them. However, the possibly most important deed that Pearson did was not on the national scale, but rather on the international scale.
When the Suez Crisis occurred, Pearson did not see the valid reason for all the violence and deaths resulted from the violence. As a result, he led the UN into creating peacekeepers to resolve the issue. The goal of peacekeepers wasn’t to stop the war with force, but instead enforce peace treaties, create living conditions even with the presence of war and make sure human rights are carried out throughout the whole world. Introducing peace keepers allowed Canada to take initiative and become famous and second for intensive peace keeping everywhere.
The final deed which Pearson changed Canada was by changing the image that the world saw Canada with, its flag. With Canada having lost many of its original ties to Britain, the Union Jack on the Canadian flag was no longer appropriate. As a result, Pearson encouraged changed of the flag and in his second year in office, he made the change that gave Canada its own identity on the international scale. Nonetheless, Pearson was a great figure to Canada; he offered peace, equality in times of war and terror.
A sector that grows even in times of economic distress is the entertainment sector. Even when times are rough and people are short on money, entertainment never fails the people and the people never fail it. As a result, the famous people in this district turn out to be the most influential and celebrated people of the world.
The case of Wayne Gretzky was no different. Wayne grew up with hockey and by the age of 16, he was on his way to becoming the greatest hockey player in the world. When he reached the NHL, he was clearly the greatest and possibly the most talked about player in sports. With this status, Wayne Gretzky took the advantage and gave hockey and Canada a good name. His sportsmanship and kindness resulted in many good images of Canada and the sport of hockey and eventually he erased many biases on hockey players and the country itself. On top of all the change towards hockey, Gretzky set a good example of a model Canadian. For the first time, there was an internationally known person who was proud to be Canadian and gave Canada a good name. His game on and off the ice was his was of contributing to Canada and being such a great person, Gretzky succeeded in doing so. This example led many kids all over Canada to do the same and as a result there is a new wave of Canadian patriotism that was created by Gretzky.
The end of the 20th Century was the end of a great era for Canada. The ties that Canada had with Britain almost disappeared completely and Canada had taken many steps to become a fully independent and a self run country. With the help of Tommy Douglas, the Canadian structure of society and government gained the unique touches that it needed to become a better nation and with Pearson, Canada gained its own flag and a new identity in the international scale as peacekeepers. Pierre Trudeau gave Canada a new side to its identity, the French side, which has actually be around longer than the English side, David Suzuki gave Canada the scientific acknowledgement and the care for Canada as land, and Wayne Gretzky gave Canada the recognition in the world of sports and entertainment.
With all these great figures changing Canada for the good, this country was given the greatest make over from a simple British colony to an independent country that measured up or was better than the United States when it came to many levels. It could be said that the 20th century was a great start to Canada as a modern country and a better nation overall.
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Categories: Canada Pension Tags: CANADA, Figures, Five, Influential, Most
Six Things You Should Know About Pension Income Splitting
Six Things You Should Know About Pension Income Splitting
If you’re currently retired or nearing retirement, pension income splitting may be a smart way for you to significantly save on taxes. Amendments made to the Income Tax Act in 2007 have given Canadians an effective way to lower their household’s overall tax bill, but you need to read the fine print before you can collect.
“With tax season looming, pension income splitting could be an option for you and your spouse to consider,” said Investors Group tax and financial planning expert Christine Van Cauwenberghe. “But to ensure an optimal split, you need to look at the fine points carefully.”
Van Cauwenberghe provides these five pension income splitting facts to help you make the most of this opportunity:
1. Income that qualifies for splitting is different if you are under 65 or over 65 years of age. For example, income from a registered pension plan can be split irrespective of the age of the person who receives the pension income. However, RRIF income can be split only if the person receiving the income has attained age 65.
2. Pension income splitting could have an impact on several other tax calculations and credits including OAS benefits, medical expense credits, spousal credit, age credit clawbacks, and quarterly tax installments.
3. You don’t have to split pension income 50 – 50, and split amounts can change each year based on your personal tax situation.
4. Pension income splitting does not require the physical transfer of funds.
5. Pension income splitting is not new. CPP/QPP income splitting (or income sharing) has been allowed for several years.
“Pension income splittingcan be a good option for many households to reduce their annual taxes – but other tax-saving opportunities need to be factored as well,” adds Van Cauwenberghe. “A financial advisor can work with you to ensure that your overall financial plan is on track with your plans for retirement.”
This column, written and published by Investors Group Financial Services Inc. (in Quebec – a Financial Services Firm), presents general information only and is not a solicitation to buy or sell any investments. Contacta financial advisor for specific advice about your circumstances. For more information on this topic please contact your Investors Group Consultant.
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The Truth About Pensions
The Truth About Pensions
There are several questions that seem to continually arise when it comes to talking about pensions. The first, and most crucial question is usually something along the lines of, “Will my working pension be enough for me to retire on?”, followed by a few other closely related questions. If you’re still under 50, you’re probably not terribly concerned (yet) about the answers to these questions. However, if you’re hitting the mid-way mark in your life, you probably can’t find the answers to these questions fast enough.
To get started on answering your all-so-important pension questions, the answer to “Is my working pension going to be enough?” The answer is not likely. “What if I change jobs? Can I take my pension benefits with me?” That depends on the plan. “What if the employer goes broke before I claim my pension benefits?” It’s imperative to keep track of your employer’s plan, but once again, the result will depend on the type of plan.
To investigate further, shortfalls in an employer’s defined plan simply means that the assets of the plan are not large enough to cover the eventual payouts. This is obviously not an ideal situation. The resolution goes something like this. If you’re your plan is funded completely by your employer and your employer remains solvent, then the shortfall is his issue. However, if the plan divided the responsibility between employer and employee, then both will have to make up for the shortfall if the company is not able to do so by the time you claim the benefit. If your employer does not remain solvent, you will most likely end up with a reduced pension, but you will not lose all of it because the assets of pensions are held in trust.
If you are changing jobs and your last employer had an employer’s pension plan, you will need to know what type of plan it was. If you are considering taking your money with you, there should not be any problem with doing that as long as it was a group RRSP. An RRSP would allow you to transfer the funds to another RRSP account tax-free. If you cash it out, it will be subject to tax. Unfortunately, if your plan is one of the defined contribution plans, you are restricted as will most likely have to leave it until your retirement as most of these plans are like locked-down RRSPs known as Locked-In-Retirement Accounts.
The most common question of course, is whether or not an employer’s benefit plan will be enough for your retirement. The answer is usually no. If you’re looking for quick math on what you might need for retirement so you have something to compare the numbers to, here is a quick and efficient rule of thumb. Most people, when they retire, still require around 60 per cent of their total working income to live comfortably during the retirement years.
If you know how much your employer’s retirement plan is worth and can also find out the total of your additional contributions along the way, these numbers should be able to help answer your own question. If you are still trying to start saving for your retirement but cannot see past all the monthly bills, perhaps a consolidation loan can help. If a standard financial institution isn’t a possibility for you, getting a bad credit loan from a private lender could have you on your way to savings in no time.
If you need a loan, but your bad credit is preventing you from obtaining one at a standard financial institution, we can help. Visit our Bad Credit Loans website today, for more information. Visit our blog for more articles about Bad Credit and Debt.
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Categories: Canada Pension Tags: About, Pensions, Truth
Helping Small Business With Employee Pension And Savings Programs
Helping Small Business With Employee Pension And Savings Programs
Business owners seeking to hire the best and brightest employees compete to offer great work environments, opportunities and benefits. But some small business owners in Canada who would like to offer pension and retirement savings plans to their employees are challenged by the complexity and costs of running such a program.
Already more than 50 per cent of Canadians working in the private sector have some sort of group retirement savings or investing program. Increasing opportunities for the balance requires some changes to Canada’s retirement savings system, according to the Canadian Life and Health Insurance Association.
“Business owners and operators recognize the enormous value of helping their employees save for their retirements, but many – particularly small business — are handcuffed by tax and administrative regulations that make running a program more expensive and time consuming,” says Frank Swedlove, president of the Canadians Life and Health Insurance Association Inc. “We need to make regulatory changes so that company pension plans become less complex and costly to operate. And we need to allow employers to band together in multi-employer plans that pool contributions and achieve efficiencies in cost and operations.”
Changing the law that requires that group pension programs only be offered by a single employer to its employees is one way to help employers. Doing so would allow for the creation of multi-employer pension plans where contributions are pooled and the administrative burden to each individual employer is reduced. Allowing for the creation of such multi-employer pensions plans would also let the self-employed participate in a pension program.
Employers recognize that providing a good company pension or group retirement saving program helps retain existing employees. Often they can improve the firms’ business reputation and help attract capable new employees. And, most importantly, they help give employees peace of mind.
Initiatives are underway to review Canada’s retirement savings programs. Capitalizing on many employers’ desire to help employees save, plus the efficiency of group programs, will play a big role in ensuring a successful system for future generations.
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How to immigrate to Canada
How to immigrate to Canada
A practical step-by-step guide to settling in Canada successfully in your first year.
How to immigrate to Canada
Categories: Canada Pension Tags: CANADA, immigrate
Retirement Planning! (canada)
Retirement Planning! (canada)
What is retirement planning?
A simple definition is: The setting aside of enough money during one’s income earning years to provide an income during retirement.
Seems simple enough, doesn’t it?
In years gone by it was possible for the money set aside in this manner and supplemented by Government assistance such as the Canada Pension Plan and Old Age Security, to provide for a comfortable and dignified retirement lifestyle.
Canadians have a Registered Education Savings Plan (RESP) for their child’s higher education; however, I believe we also need a Retirement Education Savings Plan, for everyone else.
Neither age nor income level should prevent us from taking an active and proactive interest in our retirement planning.
We have been alerted to the possibility that those of us newly retired or soon to retire will not be able to count on the Government support that our parents did.
We are on our own!
If we are to achieve and maintain a financially secure retirement we must become knowledgeable, informed and involved in creating the income that will support our retirement financial needs.
Fortunately, technology has made it increasingly easy for anyone with the desire and initiative to get as much information as is needed to begin to take an active role in their own financial planning and welfare.
Because we are living such longer and more active lives many of us will need almost as much income as we needed before we retired.
Then too, health issues can place a bigger financial strain on our retirement income.
So, if we do not want to live a limiting and financially restricted lifestyle when we retire, we must take steps today that will ensure we have the financial means to enjoy a secure retirement.
So, how will you handle retirement?
Burying your head in the sand is not an effective plan. If you plan to retire, you can and should learn about the many effective and efficient financial strategies and vehicles that will ensure that your “golden” years really are “golden”.
There are those in the financial industry who present a doom and gloom attitude about what they perceive will be the lack of sufficient retirement funds for a majority of future retirees.
I do not agree with this outcome as a foregone conclusion.
Achieving your retirement financial goals means understanding what you have today and how to use it to effectively plan for and create the security you will need in the future!
Canadians! Is an RRSP really the best plan for your retirement?
Yvonne does not think it is and she will be happy to demonstrate why and show you a “Better Alternative to the RRSP”
Call Yvonne at: (647) 281-5074
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Categories: Canada Pension Tags: CANADA, Planning, Retirement
Canada FDC Scott 1959 Public Pension
Pension Bréard Lac Gélinas MONT TREMBLANT Quebec Canada
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Canada and Quebec Pension Plan and Employment Insurance Acts 2009: Quick Referen
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Canada and Quebec Pension Plan and Employment Insurance Acts: Quick
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